SmartFinancial, Inc. (SMBK): Price and Financial Metrics

SMBK POWR Grades

• SMBK scores best on the Sentiment dimension, with a Sentiment rank ahead of 98.85% of US stocks.
• The strongest trend for SMBK is in Momentum, which has been heading up over the past 155 days.
• SMBK ranks lowest in Growth; there it ranks in the 39th percentile.

SMBK Stock Summary

• SMBK's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 91.15% of US stocks.
• With a year-over-year growth in debt of -63.58%, Smartfinancial Inc's debt growth rate surpasses only 5.93% of about US stocks.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for SMBK comes in at 51.53% -- higher than that of 96.26% of stocks in our set.
• Stocks that are quantitatively similar to SMBK, based on their financial statements, market capitalization, and price volatility, are AROW, ACNB, SBFG, HBT, and CIVB.
• Visit SMBK's SEC page to see the company's official filings. To visit the company's web site, go to www.smartfinancialinc.com.

SMBK Valuation Summary

• In comparison to the median Financial Services stock, SMBK's price/earnings ratio is 0.91% lower, now standing at 10.9.
• SMBK's price/earnings ratio has moved down 3.8 over the prior 224 months.
• Over the past 224 months, SMBK's price/sales ratio has gone up 0.7.

Below are key valuation metrics over time for SMBK.

SMBK Growth Metrics

Its 5 year price growth rate is now at -14.62%.
• Its 5 year revenue growth rate is now at 215%.
• Its 2 year revenue growth rate is now at 68.88%.

SMBK's revenue has moved up $50,661,388 over the prior 33 months.

The table below shows SMBK's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-09-30	130.953	52.394	37.164
2021-06-30	122.941	58.97	33.959
2021-03-31	117.303	36.057	31.355
2020-12-31	107.609	29.069	24.332
2020-09-30	99.385	25.97	22.034
2020-06-30	94.467	13.208	21.602

SMBK's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• SMBK has a Quality Grade of C, ranking ahead of 32.11% of graded US stocks.
• SMBK's asset turnover comes in at 0.035 -- ranking 279th of 428 Banking stocks.
• FULT, SMMF, and COLB are the stocks whose asset turnover ratios are most correlated with SMBK.

The table below shows SMBK's key quality metrics over time.